I am in a Chapter 13 bankruptcy now (long story), have a steady income, and am wondering when I will qualify for a mortgage again. I know that bankruptcy stays on your credit report for 10 years, but is that how long I need to wait?

Bill, I recently got out of a relationship and my ex's name is on my mortgage. I have lived in the home now for 7 months paying the mortgage fully by myself. She wants her name off the loan (as do I), and I was told refinancing is the only way. I have a 740 credit score and went to my current mortgage holder to refinance at 5.5%. The home appraised at 180,000 which is what I owe on it. I was to...Read full question

I'm in a forbearance w/home modification not sure what will happen next I've made the reduced payments required credit is poor I don't like the home but have to live somewhere I have 30,000 equity in home but if I sell-- afraid I won't be able to buy another with poor credit (missed mortgage payments when sick) I cannot rent b/c I have dogs should i file chapter 13 if they do...Read full question

I just completed my 2nd year of repayment for a 5 year Chapter 13 bankruptcy. I am interested in purchasing a home through FHA, but I'm told that I need to get authorization from the BK trustee or judge. My BK attorney tells me that I need to start the homebuying process, locate a home and go under contract on a home before he can start the process of getting the trustee to authorize me ...Read full question

Me and an ex-girlfriend purchased a home in 2000. In 2004 we split up. At that time, we refinanced and I received $45,000 to walk. My name was never on the deed, but only on the mortgage. I have not lived on the property or had any contact with her. Do I have any recourse to withdraw my name from the 2nd mortgage ? It is effecting my debt to income ratio on my credit report, leaving me unabl...Read full question

Home equity line of credit vs. cash payment for a boat:
I am about to purchase a used boat. I can pay cash (about $35,000), or take out a home equity loan at 1% above prime,and deduct the loan interest from my taxes (28% bracket). My cash is only making about .05% apy.
Which is the better way to pay for the boat, cash or home equity line of credit?

My husband and I are trying to get a home equity loan and looking for a company that will consider capital gains as income. Our house appraised for $195,000. We owe $29,000. We are behind on no debts. Credit score of 660 to 670 through myfico. I know that's not great. My income is $80,000, my husband's farm income is -$218,000 for 2008, which is the only figure ickenLoans will consider. He ...Read full question

I live in San Bernardino County, CA. My husband and I filed for Chapter 13 in May. We started falling behind in mortgage payments, causing the lender to lift the automatic stay. We are worried because we don't know how much time we have in the home. Prior to filing Chapter 13, the home was scheduled for a trustee's sale. I was told that we go right back to that point, now that the automatic stay h...Read full question

My fiance is upside down on a mobile home, which is on rented property. She is unemployed, and has no income. She moved into my home because we could not afford the dual utilities. Her mobile home sits empty, and she owes more on it than it is worth.We are still current on her loan but can no longer keep making these payments as well as the space rent. We have put it on the market with no su...Read full question